Wrap is fundamental to successful retirement planning

Pensions

Wraps should be beneficial to pension investors because of the wide range of funds they offer, but investors seeking more specialist investments will have to look elsewhere

In an industry where finding agreement can sometimes be hard, there seems to be a high degree of consensus about the state of retirement savings in the UK. Few advisers, journalists, product providers or even the odd Lord would disagree with the view that as a nation we are simply not saving early or hard enough for our retirement. Vague notions of relying on one's property or receiving an unspecified inheritance at some future date are what many otherwise sensible adults are reliant on. Current overall level of savings into pensions and other savings and investment products are too low - r...